is finally off my credit reports. I do not know why. All I know is my letter of complaint to the city mayor and city library director was received Thursday. Maybe they commanded it to be removed Friday? Anyways, I'm sure a letter is forthcoming. This better be the end of it, or the lawsuit I was preparing WILL be filed! EX has shown a 43 point increase. EQ and TU I do not know at this time. NOW perhaps MBNA will approve me for my second card